Docstoc

Service Charges

Document Sample
Service Charges Powered By Docstoc
					                                               Service Charges

Name of the Bank                        State Bank of Bikaner and Jaipur
Saving Bank A/c-No frills A/c           -
Minimum Balance                         Nil
Charges for non maintenance thereof     Nil
Saving Bank Account with cheque
facility
Minimum Balance                         Rural          Non-Rural Rs.1,000/-
                                        Rs.500/-
Charges for non maintenance thereof     Other than 'P' Segment Rural / Semi Urban Rs.150/-per quarter. Metro
                                        /Urban Rs.300/-per quarter.
                                         For 'P' Segment Rural - Rs. 150/- per quarter Non-Rural - Rs.300/- per
                                        quarter
Saving Bank Account without
Cheque facility
Minimum Balance                         Rural         Non-Rural Rs.500/-
                                        Rs.250/-
Charges for non maintenance thereof     Other than P Segment Rural/SEMI URBAN. Rs.150/-per quarter Non
                                        Rural Rs.300/-per quarter For P Segment Rural - Rs.150/- per quarter
                                        Non-Rural - Rs.300/- per quarter

Other savings bank account facilities
Issue of Duplicate Statement            With latest balance Rs.100/-(Rs.100/- per ledger folio (40 entries) for
                                        previous entries) additional
Issue of loose cheque leaves            Rs. 3.00 per cheque leaf and 20 leaves free in a year (Other than Multi
                                        city cheque book)
Issue of duplicate pass book            With latest balance Rs.100/-(Rs.100/- per ledger folio (40 entries) for
                                        previous entries) additional
Mode of calculation of minimum          Average monthly minimum balance on quarterly basis
balance
Remittance Facilities through own
bank
DD Issue /BC issue                      Up to Rs.10,000:         Rs.30/-

                                        For>10000/- up to
                                        less than Rs.50000/-: Rs.3.50 per Rs.1000

                                        For Rs 50000/-
                                        up to Rs 1 lac ---     Rs 2.80 per Rs.1000
                                        Above Rs 1 lac --       Rs 3/- per Rs.1000

                                        For petrol pump
                                        dealers who have
                                        a cash credit
                                        borrowing with us
                                        and the utilization
                                        of which is at least
                                        50% every month. :Rs 2.75 per Rs.1000 flat
                                        Minimum 50/-
                                        Maximum 12500/-
                                        (+100/- per telegram for TTs)
                                         Rs. 10/- extra for remittances in cash of Rs.10000/-

DD Cancellation                         50% of D.D. issue charges Min.110
                                        Rs. 100 for 'P' segment.
DD - Duplicate                          50% of D.D. issue charges Min.110
DD -Revalidation                        50% of D.D. issue charges Min.110
                                        Rs. 100 for 'P' segment.
PO/BC -Issue                            Same as D.D. issue charges
PO/BC -Cancellation   50% of P.O. issue charges Min.110
                      Rs. 100 for 'P' segment.
PO/BC -Duplicate      50% of P.O. issue charges Min.110
PO/BC -Revalidation   50% of P.O. issue charges Min.110
                      Rs. 100 for 'P' segment.
TT-Issue              Up to Rs.10,000:         Rs.30/-

                      For>10000/- up to
                      less than Rs.50000/-: Rs.3.50 per Rs.1000

                      For Rs 50000/-
                      up to Rs 1 lac ---     Rs 2.80 per Rs.1000
                      Above Rs 1 lac --      Rs 3/- per Rs.1000

                      For petrol pump
                      dealers who have
                      a cash credit
                      borrowing with us
                      and the utilization
                      of which is at least
                      50% every month. :Rs 2.75 per Rs.1000 flat
                      Minimum 50/-
                      Maximum 12500/-
                      (+100/- per telegram for TTs)
                       Rs. 10/- extra for remittances in cash of Rs.10000/-

TT-Cancellation        --
TT-Duplicate           --
TT-Revalidation        --
EFT Charges-inward    In line with RTGS charges
EFT Charges-outward   In line with RTGS charges
RTGS
                     Inward- Free, no charge to be levied.

                     Outward transactions-
                       (i)    RTGS- Below Rs. 5 lakh - Rs. 28 per transaction
                              (inclusive of service tax)

                          (ii)   Rs. 5 lakh and above- Rs. 56 (inclusive of service tax)

                     Note: These charges shall be applicable for all types of transactions
                     including inter-bank funds transfers
Collection of            - Up to Rs. 10,000- Rs. 56 per instrument (inclusive of service tax)
Cheques                  -
                         - Rs. 10,000 to Rs. 1,00,000- Rs. 112 per instrument (inclusive of
                            service tax)
                         -
                         - Rs. 1,00,001 and above- Rs. 168 per instrument (inclusive of
                            service tax)
                     Note: The above charges will be all inclusive. No additional charges
                     such as courier charges, out of pocket expenses, etc. should be levied
                     from the customers
Remittance
Facilities through
other bank
DD-Issue             Up to Rs.10,000:         Rs.30/-

                     For>10000/- up to
                     less than Rs.50000/-: Rs.3.50 per Rs.1000

                     For Rs 50000/-
                     up to Rs 1 lac ---      Rs 2.80 per Rs.1000
                     Above Rs 1 lac --        Rs 3/- per Rs.1000

                     For petrol pump
                     dealers who have
                     a cash credit
                     borrowing with us
                     and the utilization
                     of which is at least
                     50% every month. :Rs 2.75 per Rs.1000 flat
                     Minimum 50/-
                     Maximum 12500/-
                     (+100/- per telegram for TTs)
                      Rs. 10/- extra for remittances in cash of Rs.10000/-

DD-Cancellation      50% of exchange Min.110
DD-Duplicate         50% of exchange Min.110
DD-Revalidation      50% of exchange Min.110
PO-Issue              Same as DD Issue charges
PO-Cancellation       50% of exchange Min.110
PO-Duplicate          Rs 100
PO-Revalidation       50% of exchange Min.110
TT-Issue
                     Same as DD issue charges+ 100 per telegram for TT.



TT-Cancellation      --
TT -           --
Duplicate
TT-            --
Revalidation
EFT-           In line with RTGS charges
Charges-
inward
EFT-           In line with RTGS charges
Charges-
outward
Foreign Exchange
Transactions
Remittance           On all foreign currency outward              Individual (Rs.100/-) For other
outward              remittances not being proceeds of import     Rs.600/- per remittance +
                     bills.                                       actual out of pocket expenses
                                                                  i.e. postage, courier and
                                                                  telegram charges
                     Issue of duplicate foreign currency drafts   Individual (Rs.100/-) Others-
                                                                  Rs.300/-+out of pocket
                                                                  expenses.
Remittance inward    Encashment of TTs/Purchase of                Current TT Buying rate, no
                     MTs/DDs in respect of which cover has        exchange margin or interest to
                     been received in Nostro Accounts             be charged.

                     Encashment of TTs/Purchase of                Current TT Buying rate, plus
                     MTs/DDs where reimbursement is to be         exchange margin @ 0.125% +
                     obtained in cover by drawing demand          interest @ 15% for a Min.
                     drafts on overseas branches or               period of 10 days.
                     correspondent banks.


                     Encashment of customer's personal            Current TT buying rate, plus
                     cheques, demand drafts, international        exchange margin @ 0.125% +
                     money orders, bankers' pay orders,           interest @ 15% for a Min.
                     payable abroad.                              period of 10 days + Rs.100/-


Clean Payment        Effected under instructions from foreign     Payment against draft Rs. 100/-
                     correspondents.                              Payment against T.T. Rs. 150/-
                     When the inward remittance has to be         Rs.600/- flat per transactions.
                     paid in foreign currency by way of a
                     demand draft/mail transfer/payment
                     order/telegraphic transfer.

                     Stop Payment                                 Rs.100/-
TCs-Selling          Commission on Rupee equivalent value         1%
                     of travellers cheques sold to Indian
                     Residents.

                     Commission on foreign travellers             0.25%
                     cheque issued against foreign currency
                     remittance at the request of the
                     beneficiary.

TCs-Encashing        Commissione on Rupee equivalent value        TC buying rate of the day
                     of travellers cheques encashed.              applied. No service charges are
                                                                  levied.
Cheque Collection
Local
Outstation through   Up to Rs. 10,000 – Rs. 56/- per instrument (inclusive of service tax )
own bank
                     Rs. 10,000 to Rs. 1,00,000 –
                     Rs. 112/- per instrument. (Inclusive of service tax )

                     Rs.1, 00,001 and above –
                     Rs. 168/- per instrument. (Inclusive of service tax )

Outstation through   As above
another bank

Bouncing of          Rs.75/- +other bank charges if any + overdue interest at clean overdraft
cheques-Local        rate for the number of days the bank was out of funds.
Bouncing of          150/- + other bank charges if any
cheques-outstation
through own bank
Bouncing of          150/- + other bank charges if any .
cheques-outstation
through another
bank
Retail           Under 'P' Segment               Under C&I , SIB and Agr. segment
Loan
           Scheme Rates in %age of
           loan sanctioned)
Loan       Housing Loan                     Fund Based + Non-Fund based limits upto Rs.
Processing (Including        all            25,000/-Nil
Charges    variants)               Nil
           upto Rs. 25000/-                  Above Rs.25,000/-but upto Rs. 2 Lacs -Rs.500/-
                                   0.60     Above Rs. 2 lacs upto Rs.1 crore -Rs. 500/- per
           Above Rs. 25000/-                lac Above Rs. 1 crore -Rs. 400/- per lac
                                            Minimum Rs. 50,000/- Maximum Rs. 20 lacs (to
                                            be charged on adhoc limits also).


                                            Car Loan to SME Units - No processing charges
                                            Arisans' Credit Card - No processing charges
                                            Swarozgar Credit Card - No processing charges.

            Special Housing loan     NIL
           scheme for State
           Government
           employees

            Mortgage Loan            1.15

           Car Loan                  0.60
           Visesh Vahan Yojana       NIL

            Personal Loans           1.15

           Educational       Loan    NIL
           Upto Rs.4 lac

           >Rs.4.00 lac -            1.15

           Loan against      RBI     1.15
           Relief Bonds

           Loan against Gold         1.15
           Ornaments
           Rent Plus                 0.60
           Loan against Shares       1.15

           SBBJ Two Wheeler          1.15

           SBBJ Pension Loan         NIL

           Loan for Earnest          0.60
           Money for Allotment
           of a Plot/ House / Flat


           Nurses Plus               0.60
Prepayment         SBBJ        Pre-payment penalty is as under:
Charges            Housing     If the loan is pre-closed from own resources for which proof
                   Loan (All   is submitted by the borrower, pre-payment penalty shall not
                   variants)   be levied irrespective of the period for which the account has
                               run. In other cases, where such proof is not produced by the
                               borrowers, 2% penalty on the amount prepaid in excess of
                               normal EMI dues should be levied in case of pre-closure of
                               home loans within 3 years from the date of commencement
                               of repayment.
                                Since the penalty is proposed to be levied only incase of pre-
                               closure of loan, the penalty shall be termed, with a view to
                               conveying the proper meaning, as "Pre-closure penalty"
                               instead of the term "Prepayment penalty" used presently.
                               This change will add a marketing edge to the product).
                   SBBJ Car    Pre -payment penalty of 2% of the amount of loan prepaid
                   Loan        will be levied if:
                               - The loan is taken over by and other bank/financial
                               institution or
                               - The loan is repaid before expiry of half of the agreed
                               repayment period or
                               - Additional higher than regular repayment is being made in
                               the first year.
                               However, no pre-payment penalty is to be levied if the loan
                               account is foreclosed for taking a fresh car loan for new or
                               used car from Bank.
                               The discretion to waive the prepayment is vested with the
                               Chief General manager.
No due Certificate Rs.150/-
Solvency           -           i. For non-commercial purposes, R300/- flat per certificate
Certificate
                               ii. For commercial purpose:
                               Rs. 250/- per lac
                               Minimum Rs. 1000/-
                               Maximum Rs. 15000
Charge for late        a) Housing and         No penal interest
payment of EMI         Education Loan
(for 'P' segment       upto Rs. 25,000
only)                  (sanctioned
                       amount)
                       b) All advances       Penal interest @ 2% on the entire outstanding for
                       excepting those       the period of default, over and above applicable rate
                       mentioned in ‘(a)’    will be charged if the Equated Monthly Instalment
                       above.                (EMI) remains unpaid account irregular for a period
                                             of 30 days from the due date, for any reason,
                                             including a bounced cheque.
Charges for            No such facility allowed at present
changing from
fixed to floating
rates of interest
Charges for            No such facility allowed at present
changing from
float to fixed rates
of interest
Cards
ATM-cum-Debit
Card
Membership fee         -Nil-
Annual                 Rs.50/- p.a. from 2nd year after the issue of the card
maintenance Fee
Renewal Charges        -Nil-
Late Payment           -N.A.-
Charges
Interest Charges       -N.A.-
Replacement Charges                Nil
Transaction Charge for Partner     Type of transaction Rate per transaction Cash withdrawal -
banks                              Rs.23/- + service tax Balance enquiry -Rs. 12/- + service tax
Transaction Charges for Non-       Cash withdrawal -Rs.50/-Balance enquiry -Rs. 15/-
Partner banks (Master Card)
Credit Card                        Credit Card not being issued.
Membership fee                     -
Annual Fee                         -
Renewal Charges                    -
Late Payment Charges               -
Interest Charges                   -
Replacement Charges                -
Cash Withdrawal                    -
Debit Card                         Debit card not being issued.
Membership fee                     -
Annual Fee                         -
Renewal Charges                    -
Late Payment Charges               -
Replacement Charges                -
Cash Withdrawal                    -
MISCELLANEOUS
Balance Enquiry
Balance Certificate
Interest certificate               First Free Extra Copy Rs.50/- per certificate
Account closure                    For Other than P segment (Account closure before 12 months)
                                   All places Individuals Companies Rs.220/-Rs.500/For P
                                   segment(Account closure before 12 months) (Does not include
                                   transfer between branches) Individual--Rs.220/-
Use of Fax/Telephone/Modem
Photo attestation                  Rs.100/-
Signature attestation              Rs.100/-
Stop Payment Charges               Rs.110/- per instrument Range of Cheques Rs.220/-
Inoperative account                No service charges if the balance in inoperative account is
                                   equal to or more than the stipulated minimum Rs.150/- per
                                   annum If the amount is less than Rs150/- account to closed and
                                   advised to the customer

** OUP - Out of Pocket Expenses   Ordinary Post Rs.15/-Regd/Courier charges up to Rs.50,000/-Rs.35/-
> Rs.50, 000/- Rs.55/-

				
DOCUMENT INFO
Shared By:
Categories:
Stats:
views:42
posted:7/29/2010
language:English
pages:9